UPDATED: Mar 13, 2020
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Cheap Car Insurance in Arlington, VA
Do you really need cheap auto insurance in Arlington, VA? We here at AutoInsuranceEZ.com will be more than happy to help.
It’s unfortunate that you have to pay such a large chunk of money for something that you may never actually use – but the fact is that it’ll be worth it in the event of a serious accident.
Still, you should be able to get the most affordable price for your policy whether you end up eventually using it or not. And we know exactly how to help you do that.
According to the way Virginia designates the various municipalities within its borders, Arlington is actually referred to as a county, not a city. It is located along the northern border of the state just opposite of the Washington DC metropolitan area across the Potomac River.
Despite the fact that it is only 26 square miles in size, this tiny town is home to the Pentagon, the Reagan National Airport, and the Arlington National Cemetery.
- Fun fact: Are you single, and ready to mingle? Then head on down to Arlington – it has the #1 highest concentration a single adults in the Northeast! Learn more about Arlington here.
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Auto Insurance Coverage Requirements in Virginia
Driving legally in Arlington requires:
|Bodily Injury Liability||25,000/50,000||100,000/300,000|
|Property Damage Liability||20,000||50,000|
|Uninsured Motorist Bodily Injury||25,000/50,000||100,000/300,000|
|Medical Payments||Not required||5,000|
|Collision||Not required||250 deductible|
|Comprehensive||Not required||0 deductible|
Should you focus more on liability coverage? Or do you need extra types of coverage, such as comprehensive or collision? Liability protects you if the accident is found to be either partially, mostly, or completely your fault. It pays out damages to the victims of the accident including property damage and medical expenses.
If you don’t have enough liability coverage to pay out their claims against you, then the injured party/parties can come after you in court and seize your assets, such as your home.
That’s why it’s so important to make sure you have a sufficient amount of liability coverage if you have other lucrative assets to protect.
Right now, the average motorist in Arlington is paying around $93 a month to stay insured and drive legally. But is that fair? Or can you get a better deal for a better price?
We’ve helped people like you save up to $57 a month or more off of their car insurance policy. Would you like to be next? Because we can make it happen.
Kemper specialty and ALFA seem to want your business the most, based on price alone. But that lower price tag may mean that they aren’t offering as many services as the other companies in your area.
You also need to think about what sort of customer service you’ll get if you go for a bargain bin insurance provider.
For some, the peace of mind of knowing that your insurance company will be there for you when you need them is worth a few extra dollars a month. Others could care less as long as they’re saving money.
Part of the reason Virginia auto insurance companies charge what they do is based on your own personal information. They need to know as much about you as they can before they underwrite a policy for you so that they know how risky you are to insure.
The higher your risk of filing a claim, the more money you will cost them in the long run – and the more money they will charge you to help offset these costs.
So you need to be able to get a rough estimate of your own risk before you start approaching car insurance companies and asking for a quote.
Major Car Insurance Factors in Arlington
There are several minor and major factors which get evaluated when you approach a new car insurance company for the first time. They will likely ask you for two pieces of information first: your zip code, and your social security number.
From these numbers, the provider can glean a whole bunch of information which will tell them how likely you are to file a claim while you are still doing business with their company. And this risk of filing claims will determine how affordable or expense of your policy is.
Your Zip Code
The average household income in Arlington is $110,388 among a population of 230,050 people. High property values usually mean that it’s a safer city to drive in and you are less likely to file a claim.
However, the fact that over 230,000 people are living in a 26 square mile swath of land means that the population is very dense. This means that you’ll be sharing the roads with a lot of other drivers, especially during rush hour traffic.
And this will increase your likelihood of an accident and a filed claim.
Recent statistical data shows that there were only three fatal accidents in Arlington last year. Considering that there are nearly a quarter million people living in the city, those rates are fantastically low.
And the less likely you are to get into a serious accident when you get behind the wheel, the more likely you are to get an affordable monthly premium offered to you by an auto insurance company.
Auto Thefts in Arlington
Unfortunately, auto theft statistics in Arlington aren’t as rosy. There were 255 vehicles stolen in the most recently recorded year, which poses a moderate risk compared to previous years.
If you don’t have an anti-theft device installed on your vehicle, you might want to be proactive and get one installed. It could save you up to 5% a month off your regular car insurance premium.
Your Credit Score
The vast majority of states in the US will allow companies to evaluate your credit score when calculating your premium. Unfortunately, the lower your credit score, the more you will have to pay.
If you have a lower credit score and you want to save money, you won’t be able to do it right away – but you can track your credit over time and take small steps to improve your score.
Start by tracking your credit using one of the many free websites which provides you with your score along with other helpful information to manage your credit and build up a better score.
Younger drivers, for better or worse, are charged some of the highest auto insurance rates imaginable. Insurance companies are scared of their lack of experience behind the wheel and the statistical data which shows that they are not only more likely to get into an accident and file a claim, but an expensive one at that.
Anyone under the age of 25 who is still in school should turn in proof of good grades to their insurance provider as well as take a driver’s education course for discounts.
If possible, you should also consider bundling yourself onto your parents family policy for a more affordable rate.
Your Driving Record
If you are a safe driver with a clean record, you have another reason to look forward to getting discounts for your auto insurance policy.
But if you’ve had a ticket or an accident within the last few years – and especially if you filed a claim as a result – it will count against you, and it will make your monthly premiums more expensive.
The good news is that if you drive as carefully as possible and make a conscious effort to prevent future accidents/avoid getting more tickets, these will no longer count after a few years.
We talked about liability coverage earlier, and how you may have a choice between whether or not you purchase additional coverage. Well, depending on the vehicle you drive and how you got it, you may not have as many options as you think.
Brand new vehicles which are financed through a bank loan or leased vehicles will likely require you to purchase an insurance policy with collision, comprehensive, gap loss, and other forms of coverage to protect the property regardless of fault.
This helps your bank (or the dealership) recoup the most out of their loss in case anything serious happens to that asset.
Minor Car Insurance Factors in Arlington
Of course, tweaking some of the factors below can add up to some extra savings over time:
Your Marital Status
Married couples have another thing to look forward to aside from a lifetime of matrimonial bliss – they can save a bunch of money on their car insurance premiums, too!
When spouses bundle together on a family policy, they can save as much as 10 percent or more after monthly payments. Furthermore, married people are considered safer drivers in general, which can get you a minimal discount even if you don’t bundle together.
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Does gender really matter when it comes to safety behind the wheel?
Conventional wisdom insists that men, with their testosterone and their more assertive brains, are more dangerous behind the wheel because of those reasons. This may mean you can get a modest discount from certain insurance companies if you happen to be female while driving.
Other companies may offer the opposite discount and charge men less based on whatever secret data they have which proves them to be less risky. Many other companies, on the other hand, don’t alter their rates based on gender at all.
Your Driving Distance to Work
Despite the fact that most of the people who live in Arlington work in an office on the other side of the river, their daily commute can last anywhere from 30 to 35 minutes – and that’s not even round trip.
Thankfully, there’s a lot of good public transportation in the area and to just under 1/4 of residence (22%) will take either a subway train or light rail into work. Around 51% of drivers will still drive their own car by themselves.
It’s one thing to get a low-mileage discount by reporting your miles to your insurance company based on your own estimates.
But you could be eligible for some serious savings if you enroll in something such as the Progressive Snapshot program (which is probably the most well-known out of all the mileage tracking programs that auto insurance companies offer these days).
All you have to do is plug a device in your car or install an app on your phone which tracks your mileage and your driving time via GPS.
Not only can you get up to 30% off your premiums just by driving fewer miles, you can also earn that discount by staying off the roads during rush hour traffic and other dangerous times such as at night on the weekend when drunk drivers are more likely to be on the road.
Your Coverage and Deductibles
Yes, it’s true: you can lower your monthly premiums overall by raising your deductible on things like Collision or Comprehensive coverage.
However, it can be a risky gamble if you are not a very safe driver, and end up having to file a claim (but not enough money in the bank to pay your deductible).
Education in Arlington, VA
Arlington is a very highly educated city indeed – as you would hope it would be given that so many high-level government officials live and work there. 34 percent of residents are the proud owner of a bachelor’s degree, and another 28% have gone on to earn themselves a master’s degree as well.
The fact of the matter is that car insurance companies will offer at least a modest discount to drivers who have a bachelor’s degree or higher.
Some companies may even offer discounts that scale up depending on the level of Education you have – so it’s important to discuss the topic with your car insurance company in order to figure out which discounts you’re eligible for.
Arlington is a beacon of higher education with over 14 different schools and universities to choose from within its compact city limits alone. You could get up to a master’s degree from Strayer University Virginia, Marymount University, or one of the many other private institutions of Higher Learning located in the city.
But if you’re willing to travel a handful of miles outside of Arlington to get another degree, you can check out Georgetown University, American University, or Howard University, all of which are located no more than 6 miles outside of Arlington.
There are many options when it comes to advancing your education in Arlington, whether you’re looking for a public or a private institution.
The state-sponsored UNCSU system is a system of three public universities – Virginia State University, the University of Virginia, and Dakota State University – offer both young students and working adults a chance at earning a degree, with levels ranging from certificates and associate’s to the doctoral level.
There are also many private schools affiliated with religious organizations, such as Augustana College or the University of Arlington.
What do you want out of your car insurance company? Do you want just the lowest price you can get, or do you want more?
Do you want reliable customer service from a company with a strong financial standing? Or do you want all of the above for the lowest price – or as close as you can get to the lowest price – available?
If you let us help you out, we can get the answers to those questions for you. All we need is your zip code, and we can help you find companies who will give you both in a matter of minutes.
How We Conducted Our Car Insurance Analysis
*We calculated our average rate based on the following metrics: a married, 34-year-old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home.
Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.